Choice Privileges Select Mastercard vs IHG One Rewards Premier Credit Card
Compare fees, current offers, and listed rewards. Add your preferences to see which card may fit better.
IHG One Rewards Premier Credit Card leads on the listed facts.
IHG One Rewards Premier Credit Card leads on 2 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit.
Best if you want a stronger international-travel setup with no foreign transaction fee.
Best if you want to keep annual cost lower.
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
What leads on the listed facts
- IHG One Rewards Premier Credit Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: IHG One Rewards Premier Credit Card reaches 10x; Choice Privileges Select Mastercard reaches 10x.
- Annual fee: IHG One Rewards Premier Credit Card is $150/yr; Choice Privileges Select Mastercard is $95/yr.
- Current public bonus values: Choice Privileges Select Mastercard ~$360; IHG One Rewards Premier Credit Card ~$1800.
Headline comparison · not personalized
This comparison has not assessed your spending or eligibility. Listed credits are potential benefits, not savings; earn-rate caps and redemption choices can change their value.
Why you can trust this answer
CardCurator compares measurable card economics first, then uses deeper rewards intelligence from program data, transfer partners, award charts, and live bonuses when a decision depends on the ecosystem behind the card rather than the card headline alone.
Personalize this answer without sharing sensitive data
Start with a few signals that usually decide close matchups: rough monthly spend, your top category, annual-fee tolerance, and whether you already hold either card.
This step is meant to break close ties without asking for uploads, account creation, or exact spending data.
IHG One Rewards Premier Credit Card
Assumptions: default assumptions
No personal inputs have been applied. Add your spending focus, fee preference, or current cards to explore how the comparison changes.
- Choice Hotels® properties22 plus on Choice Privileges point purchases 10x
- gas stations, grocery stores, home improvement stores and phone plan services 5x
- All Other Purchases 1x
- IHG Hotels and Resorts 10x
- Flights Booked Directly 5x
- Car Rental Agencies 5x
- IHG Food & Beverage Rewards $25
- Airline Statement Credit $100
- United TravelBank Cash $50
- +1 more
- 4th Reward Night Free
- Gold Elite Status
- 100 Statement CreditAfter $20,000 spend
- 10000 pointsAfter $20,000 spend
- United MileagePlus
- United MileagePlus
Quick summary
A short version of the comparison with the main differences at a glance.
IHG One Rewards Premier Credit Card leads on 2 of 4 headline comparisons: annual fee, estimated welcome bonus, highest listed earn rate, and annual listed credits. This is a starting point; category restrictions and the benefits you actually use can change the better fit. On raw upside, IHG One Rewards Premier Credit Card tops out at 10x versus 10x for Choice Privileges Select Mastercard. Current signup bonus values are roughly $360 for Choice Privileges Select Mastercard and $1800 for IHG One Rewards Premier Credit Card. Summary generated October 2, 2026. Source: https://cardcurator.ai/compare/choice-privileges-select-mastercard-vs-ihg-one-rewards-premier-credit-card
- IHG One Rewards Premier Credit Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: IHG One Rewards Premier Credit Card reaches 10x; Choice Privileges Select Mastercard reaches 10x.
- Annual fee: IHG One Rewards Premier Credit Card is $150/yr; Choice Privileges Select Mastercard is $95/yr.
- Current public bonus values: Choice Privileges Select Mastercard ~$360; IHG One Rewards Premier Credit Card ~$1800.
Common Questions: Choice Privileges Select Mastercard vs IHG One Rewards Premier Credit Card
Is the Choice Privileges Select Mastercard or IHG One Rewards Premier Credit Card better for dining?
Choice Privileges Select Mastercard has no dining bonus; IHG One Rewards Premier Credit Card earns 5x on dining.
Which has the higher signup bonus in 2026?
Choice Privileges Select Mastercard currently offers 60,000 points (spend $3,000 in 3 months). IHG One Rewards Premier Credit Card offers 180,000 points (spend $3,000 in 3 months). IHG One Rewards Premier Credit Card has the larger bonus.
Which card is better for international travel?
Choice Privileges Select Mastercard: 3% foreign transaction fee. IHG One Rewards Premier Credit Card: no foreign transaction fee listed. Check the issuer's current terms before using a card abroad.
Can I hold both the Choice Privileges Select Mastercard and the IHG One Rewards Premier Credit Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Choice Privileges Select Mastercard is from Wells Fargo and IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.